I understand all of that, but none of those credits would apply for us, unfortunately. We are both filing separate returns and my wife is taxed heavily as she works out of state and has dual incomes (I plan to run the numbers both ways. If we half that amount (interest) in the application, turbo tax indicates you should give an explanation as to why the amount is different than what is on our 1098. If we half the interest and tax, but leave the mortgage amount whole, then we would be well over the 375 cap. The whole mortgage is under the 750 threshold.
Under "Adjusted mortgage interest and points" category is the adjusted amount the same as the original amount for each of us MFS (assuming we have halved the interest and tax amount).
